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- 1). Go to a bank of your preference. To get a checking account open, for a social security representative payee account, you will need the letter from the Social Security Administration office, naming you as the representative payee. The bank will require your identification which can be a driver's license, passport, military identification, or a state identification. Bring the check issued from Social Security for the beneficiary. You will also need your social security number.
- 2). Provide information for the beneficiary. The bank will need information for the beneficiary including their name, social security number, and date of birth. The beneficiary does not need to come to the bank with you.
- 3). Open the bank account. The bank representative will enter all of the information, you have provided, into the computer system. If you have the check issued by Social Security you will need to endorse it and give it to the bank representative. This check will serve as your opening deposit. If you have not received the first check from social security you will need the opening deposit which is usually $25 to $50. The account will read, "your name," representative payee for: "beneficiary name."
- 4). Contact the social security office. Call the office right from the bank and give them the nine digit routing number for the bank and your new checking account. This gives the Social Security Administration the ability to have the check direct deposited right into the checking account. If you do not set up direct deposit the social security administration office will mail the check to your address every month. You can reach social security at (800) 772-1213.
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